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Find Your Deductible Sweet Spot

We model premium savings against expected out-of-pocket claim costs over 10 years, tuned to your risk tolerance.

Enter your current policy details. We'll model 5 deductible tiers across a 10-year horizon.

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The amount you pay out-of-pocket per claim before insurance kicks in

Honest estimate: how many claims in 10 years? (1 = average driver, 2+ = higher risk profile)

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Leave blank to use auto insurance industry average ($4,000)

Higher risk tolerance means you're comfortable absorbing larger out-of-pocket costs for lower premiums

Insurers price deductibles using a steep curve. Going from $250 to $1,000 typically cuts premium by 15-25% — far more than the deductible difference at expected claim frequency. Our model uses a 0.4-exponent power curve calibrated to published rate tables. Results are estimates; actual quotes will vary by insurer, state, driving/claim history, and credit. Free • No account required • Not affiliated with any insurer.